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TÜRK EKONOMİ BANKASI A.Ş. 2007 1stQ CONSOLIDATED RESULTS.

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Presentation on theme: "TÜRK EKONOMİ BANKASI A.Ş. 2007 1stQ CONSOLIDATED RESULTS."— Presentation transcript:

1 TÜRK EKONOMİ BANKASI A.Ş stQ CONSOLIDATED RESULTS

2 2 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Outline  TEB Financial Group  Türk Ekonomi Bankası  Financial Highlights

3 TEB Financial Group of Companies

4 4 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE TEB Financial Group of Companies * TEB TEB Leasing TEB Factoring TEB NV TEB Investment TEB Asset M % 100% TEB Financial Investments 84.3% BNPPÇolakoğlu 50% 15,7% free float */ Ownership percentages used in Consolidation

5 5 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Growth through cross-selling Ÿ 4 th largest factoring company in Turkey with a 6.7% market share in the sector as of YE 2006 Ÿ 10 th largest brokerage and investment house of Turkey with 3,37% market share as of 1Q07 (specialized in M&A’s and IPO’s ) TEB Asset Management TEB Investment TEB NV Ÿ3.8% market share, 9 th largest leasing company in Turkey as of YE 2006 Ÿ “Turkish specialist” in the EU market, total asset size is EUR 783 mio. as of 1Q07 TEB FactoringTEB Leasing Ÿ The Group manages one of the largest and best performing funds in Turkey with total AUM of EUR 460 mio. and has a market share of % 2,93 as of 1Q07. TEB Financial Group of Companies

6 Türk Ekonomi Bankası

7 7 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Coverage 41 cities with 202 branches Expanding Branch Network GDP coverage 88% March 2007

8 8 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Corporate Banking  Multinationals and corporates with over US$ 50 mio annual turnover  Contribution to results (as of 1Q07) :  % of loans  % of deposits  % of customer contribution  Leader in cash management services  TEB Cash Management was awarded "The Most Innovative and Cost-effective Payments Processing Solution Award" in Excellence, in Payments Innovation Awards competition organized by the European Payments Consulting Association (EPCA).  Project Finance solutions

9 9 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE International Trade  3 trade centers in cooperation with BNPP trade centers network  Success story of synergy: Turkish Desks in Algeria, Ukraine and Egypt  Share of TEB in foreign trade (mio US$, %) (March 2007)  Undersecretariat of Foreign Trade awarded TEB with “Support of Export Award”

10 10 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Commercial Banking  Corporates with less than US$ 50 mio annual turnover and suppliers and customers of corporate clients  Contribution to results (as of 1Q07) :  % of loans  % of deposits  % of customer contribution  Solution partner in SMEs  TEB Academy  Support Line  Accounting Software  Consultancy  Structured Loans  TEB KOBİ TV Solution Partner in SMEs

11 11 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Bank-Only Loan Portfolio Loan Portfolio by Industry Source: TEB, BRSA Bank-Only Accounts Loan Portfolio by Currency Well diversified loan portfolio

12 12 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Non Performing Loans Non-Performing Loans as a % of Total Loans Prudent approach, low NPL ratio Source: CMB of Turkey announcements and BRSA Bank-Only Accounts

13 13 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Retail Banking and Small Business Accelerated growth in Retail business with BNPP joint forces Introduction of new products Instant Credit Mobile Payment “ Bonus” credit card scheme Introduction of Small Business Banking solutions Contribution to results (as of 1Q07) : 21.80% of loans  14,0 % retail banking, 7.8 % small business 35.50% of deposits  31.8 % retail banking, 3.7 % small business -4.56% of customer contribution Emphasis on wealth management

14 14 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Source: TEB; BRSA Bank-Only Accounts Retail Loans Market Share in Retail Loans Retail Loans

15 15 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Private Banking Pioneered PB services in Turkey since 1989 A sales channel dedicated to high-networth individuals with a min.threshold of US$ 800,000 High synergy with TEB Asset Management, TEB Investment, Treasury, Retail Banking, Commercial Banking, Corporate Banking, for sourcing new clients and product development Discreationary and non-discreationary asset management, differentiated & tailor made PB products and services package Total funds managed (as of 1Q07): US$1.3 billion Contribution to results (as of 1Q07): 0.11% of loans 25.69% of deposits 2.48 % of customer contribution Aim: Tailor-made service by more focus on customers and special products Leveraging Customer Base

16 Financial Highlights

17 17 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Consolidated BRSA B/S Highlights Source: TEB, BRSA Consolidated Accounts

18 18 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Balance Sheet Growth Source: TEB, BRSA Consolidated Accounts

19 19 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Consolidated Balance Sheet Composition Assets Liabilities Source: TEB, BRSA Consolidated Accounts

20 20 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Loans Source: TEB BRSA Bank-Only Accounts

21 21 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Deposits Source: TEB BRSA Bank-Only Accounts

22 22 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Marketable Securities Source: TEB, BRSA –Bank-Only

23 23 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Consolidated BRSA Income Statement Re-Classified Source: TEB, BRSA Consolidated Accounts

24 24 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Profitability Ratios Adjusted Net Interest Margin */ ROE (net)ROA (net) Cost / Income Source: TEB, BRSA Consolidated Accounts */ Adj. Net Int. Margin: (Net int. income+net comm. income fm cash loans-prov.s for loans and other+gain/loss) / Interest Earning Assets

25 25 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Marketable Sec. / Assets Ratios Loans / Deposits Source: TEB, BRSA Consolidated Accounts Capital Adequacy Ratio

26 26 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Contact Details Investor Relations Levent Çelebioğlu (ext. 1341) Çiğdem Başaran (ext. 1532)

27 27 Türk Ekonomi Bankası A.Ş. BNP PARIBAS JOINT VENTURE Disclaimer The information and opinions obtained in this document have been compiled or arrived at by TEB from sources believed to be reliable, but no representation or warranty is made as to their accuracy, completeness or correctness. All opinions and estimates contained in this document constitute TEB’s judgement as of the date of this document and are subject to change without notice. This document is published for the assistance of the recipients, but is not to be relied upon as authoritative or taken in subtitution for the exercise of judgement by any recipient. TEB does not accept any liability for any direct or consequential loss arising from any use of this document or its contents. This document is strictly confidential and may not be reproduced, distributed or published for any purpose.


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